1
Best no-fee pick
AmEx Blue Cash Everyday
3x U.S. gas stations (up to $6,000/yr)Reward Dollars
Best Credit Cards for Gas & EV Charging
The best cards to use at the pump — gas stations, EV charging, and combo gas + grocery earners.
3%
Avg no-fee back
3.3%
Avg with-fee back
4%
Best rate available
$95
Avg with-fee cost/yr
Spend about $28,500/yr in this category for the with-fee pick's extra rate to earn back its annual fee.
The short answer
Top picks — no annual fee
Keep forever · $0/yr2
Runner-up
Citi Custom Cash
No longer accepting applications5x on top eligible category — good year roundThankYou Points
Top picks — with annual fee
Pays for itself if used right1
Best overall
Chase Sapphire Preferred
3x gas & EV chargingUltimate Rewards$95/yr
2
Best value
Citi Strata Premier
3x gas & EV chargingThankYou Points$95/yr
3
Also good
Costco Anywhere Visa by Citi
4x on gas & EV charging up to $7,000/yr — requires an active Costco membership (Gold Star $65/yr or Executive $130/yr)Cash BackMembership req.
Honorable mentions
Annual fee
Reward type
Card type
Card network
11 cards
#1
Citi Custom Cash
No FeeCash Back
1x everything else
- 5x on top spend category (up to $500/mo)
- 1x everything else
Click to see redemption options
$200 after $1,500 in 3 months
#2
Discover It Cash Back
No FeeCash Back
1x everything else
- 5x Rotating categories (up to $1,500/qtr)
- 1x everything else
Click to see redemption options
Cashback Match at end of year 1
#3
Prime Visa
No FeeCash Back
2x Gas
- 5x Amazon & Whole Foods (Prime members)
- 3x Amazon & Whole Foods (non-Prime)
- 2x Restaurants
- 2x Gas
- 2x Transit
- 1x everything else
Click to see redemption options
$100 gift card on approval
#4
AAA Daily Advantage Visa Signature
No FeeCash Back
3% Gas Stations & EV Charging
- 5% Grocery Stores
- 3% Gas Stations & EV Charging
- 3% Wholesale Clubs (incl. Costco)
- 3% Streaming Services
- 3% Pharmacies
- 3% AAA Purchases
- 1% All Other Purchases
Click to see redemption options
$100 statement credit after spending $1,000 in the first 90 days.
#5
AAA Travel Advantage Visa Signature
No FeeCash Back
5% Gas Stations & EV Charging (up to $7,000/yr, then 1%)
- 5% Gas Stations & EV Charging (up to $7,000/yr, then 1%)
- 3x Flights
- 3x Hotels
- 3x Dining
- 3x Grocery Stores
- 3x Other Travel Purchases
- 3x AAA Purchases
Click to see redemption options
$100 statement credit after spending $1,000 in the first 90 days.
#6
Costco Anywhere Visa
No FeeCash Back
4x Gas (5x Costco Gas)
- 4x Gas (5x Costco Gas)
- 4x EV Charging
- 3x Restaurants
- 3x Travel
- 2x Costco
- 1x everything else
Click to see redemption options
Requires an active Costco membership to hold this card — Gold Star ($65/yr) or Executive ($130/yr).
#7
Blue Cash Everyday
No FeeCash Back
3x US Gas
- 3x US Online Retail (up to $6k/yr)
- 3x US Supermarkets (up to $6k/yr)
- 3x US Gas
- 1x everything else
Click to see redemption options
$200 after $2,000 in 6 months
#8
Navy Federal More Rewards American Express
No FeeLoyalty Points
3x Gas Stations & Transit
- 3x Restaurants & Food Delivery
- 3x Supermarkets
- 3x Gas Stations & Transit
- 1x everything else
Click to see redemption options
20,000 points after $2,000 in 90 days
#9
Navy Federal GO REWARDS
No FeeLoyalty Points
2x Gas Stations
- 3x Restaurants
- 2x Gas Stations
- 1x everything else
Click to see redemption options
None
#10
Discover It Secured
No FeeCash Back
2x Gas
- 2x Gas
- 2x Restaurants
- 1x everything else
Click to see redemption options
Cashback Match + security deposit required
#11
Discover It Chrome Gas & Restaurant
No FeeCash Back
2x Gas (up to $1k/qtr)
- 2x Gas (up to $1k/qtr)
- 2x Restaurants (up to $1k/qtr)
- 1x everything else
Click to see redemption options
Cashback Match at end of year 1
Not sure which one fits you?
Our free quiz matches you to the right card based on your actual spending, credit score, and goals — in about 2 minutes.
Take the quiz →Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) are shown at 5x only during a quarter that category is actually active — checked against Chase and Discover's published quarterly calendars. Terms and reward rates are subject to change at each issuer's discretion.
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